IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu...

Page 1 of 7
Search Foreclosure Hamlet Search

Sign Up Sign In Foreclosure Hamlet Supporting, Informing & Connecting People in Foreclosure Main FL Bar Wall Of Shame My Page Wall Of Shame Links, Resources, Events Forum Videos ISO CA Robosigners ISO Signers Blogs Chat: (Please click the audio icon to hear notifications)

All Blog Posts My Blog Add

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS

Posted by Brenda Reed on March 5, 2012 at 12:06pm View Blog ALERT: DOCUMENTS BEING USED TO FORECLOSE ON YOUR PROPERTY MAY BE FRAUDULENTLY MANUFACTURED. Homeowners in foreclosure and/or their attorneys should carefully inspect any documents that are given to you which have been represented as copies of originals. Insist on color copies. You will not be able to discern the alterations on Black and white copies. You will need a forensic expert to inspect your documents. The experience described herein is not unique to the homeowner who is sharing his experience in order to help others save their homes and obtain a modicum of justice over a bank that systematically as a matter of court attempts to deny homeowners of due process because they more likely than not cannot prove they are the owner of the loan nor that they have legal standing. The homeowner in this article has been engaged in an unnecessarily protracted legal fight as a plaintiff for four years in a Chapter 11 Bankruptcy case and adversarial action in the US Bankruptcy Court in California. Chase and their attorneys have dealt with the homeowner in typical Chase fashion -- delay, withhold, delay, obfuscate, delay, obstruct. http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 2 of 7

In fact a Class Action lawsuit has been filed against Chase for similar issues. See http://www.courthousenews.com/2012/01/17/HidenSeek.pdf In late January 2012, a few days before discovery cutoff, attorneys representing JPMorgan Chase Bank, NA provided a California homeowner by email a copy of a Deed of Trust, an Adjustable Rate Rider, a PromissoryNote and a Prepayment Penalty Addendumwhich Chase represented to each be a copy of the original documents held in the office of this law. The files provided to the homeowner were digitally scanned color images of the purported original documents (Deed of Trust, Adjustable Rate Rider, Promissory Note, and Prepayment Penalty Addendum). The appearance of such documents after nearly four years of formal legal requests by the homeowner was suspicious. The production of the documents just four days before discovery cutoff smacked of an attempt to setup a Courtambushbecause it allowed no time for forensic inspection.When he requested to personally meet and inspect the documents, the law firm became non responsive which added further to suspicions that the documents were possibly bogus. The homeowner inspected the files using Adobe Reader. He magnified the initials and signatures on the files that were purported to be his original blue inkscribbling. At between 3X and 5X Adobe Reader magnificationthe alterations of the documents become obvious. The homeowner afterwards acquired the services of a forensic expert who inspected the documents provided by Chase and determined that someone colorized the homeowner's initials and signatures using either Adobe Photoshop or other similar product to colorize black and white initials and signatures in an effort to make it seem like this was a true copy of the "Original" documents. For what purpose -- possibly to steal a home! ENDORSEMENT OF THE NOTE: The purported "Note" provided to the homeowner by Chase bears a "blank endorsement" by Cynthia Riley, Vice President, Washington Mutual Bank, FA. The purported "blank endorsement" by Cynthia Riley on the purported originalpromissorynote bears no date and no signature. Rather the endorsement is astampwith the facsimile of her alleged signature. The stamp caneasilybe created utilizing Adobe Photoshop. The purpose of said endorsement is that it would allow Chase to claimpossessionof the promissory note so that it can foreclose under the UCC-3 in order to demonstratestanding in bankruptcy court. Chase's attorney informed the homeowner that the law firm had the note (original blue ink copy) in their office and that they could foreclose on that basis. A clear reflection of their intent and the motivation for their suspected fraud. This law firm has not filed these documents with the Court. Filing manufactured or falsified documents in the US Bankruptcy Court or other courts would constitute a fraud on the court that could result in sanctions being imposed by the Court or worse. This furtherunderscoresthe conclusion by this homeowner that Chase is a completely unscrupulous bank represented by lawyers of the same ilk. HOW CAN THIS BE ACCOMPLISHED? "Photo Shopped" documents can easily be discerned by looking at the images at 3X and 5X using Adobe Reader.Photoshop and equivalent software permits a signature to be lifted off one black and white copy, colorized and placed on another copypretendingto be a wet ink original. You can detect this in your own documents by following what the homeowner had to do.The signature is copied and then inked using the "Magic Wand" tool in Photoshop. The shape of the signature is captured by the "Magic Wand". The signature color can then be changed to any color using the "colorpalette"and either the "Paint Can" or the "Color Replacement Tool". (There are many other tools as well.) Photoshop and equivalent software permits a signature to be lifted off one black and white copy, colorized and placed on another copypretendingto be a wet ink original. You can detect this in your own documents by following what he had to do. WHY DO THIS? TO GET A HOME FOR FREE! As Chase has produced no original documents over a period of four years for either of the homeowner's first or second mortgage and due to the above representations, the homeowner has concluded the following:

http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 3 of 7 Chase does not have the original loan documents. If they did have the originals,, Chase would have produced them in discovery long ago. Chase has consistently refused to produce chain of title or chain of holders of the note over the period of 2008-2012. One can surmise that the actual evidence probably indicatesthat Chase does not own the loan. Let me reiterate -- Chase has produced no original documents in 4 years for either the first or the second. This homeowner is not the only litigant having this "Chase experience" in a court of law. The forensic issue iswhetherthe documents are "Photoshopped." It is not whether the signature looks like your signature. Just about anyone with limited Photoshop skills can easily lift a signature from a Black & White copy and colorize it. You must seek out a forensic expert with Photoshop expertise. The cost is about $600 for an opinion. Please refer to ERNEST MICHAEL BAKENIE vs JPMORGAN CHASE BANK NA et al (a Class Act... filed January 13, 2012 in the US District Court in Central California in Santa Ana. The plaintiff, Bakenie, alleges that Chase has been passing off fabricated documents in court rooms across California in literally thousands of cases. So you must understand that this is how Chase does business and this particular case is not unique. That is why you are also at risk. Link to case filing: http://www.courthousenews.com/2012/01/17/HidenSeek.pdf To fix this problem our legal statutes should require "Blank Endorsement" should be signed and dated by a person who has actually identified themselves. The documents used in taking someone's home from them should required to be produced upfront before a foreclosure can commence so as to allow real due process for the borrowers. As a side bar, the use of blank endorsements on promissory notes creates a hugeuntraceablemarketplace where drug and other criminal operations can launder vast amounts of money without government scrutiny. QUESTIONS FOR HOMEOWNERS, THEIR ATTORNEYS, THE COURTS AND AG KAMALA HARRIS: 1. Are California homeowners losing their homes to foreclosure on the basis of forged or manufactured documents? 2. Are banks perpetrating a fraud on our Courts? 3. Are banks actually the party "trying to get a house for free"? 4. What can we do about this? Views: 886 Tags: Bakenie, Bank, Chase, Cynthia, JPMorgan, NA, Riley, WAMU, action, bankruptcy, More Like 0 members like this Share Twitter

Like

< Previous Post Next Post > http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 4 of 7 Comment

You need to be a member of Foreclosure Hamlet to add comments!

Join Foreclosure Hamlet Welcome to Foreclosure Hamlet

Sign Up
or Sign In Or sign in with:

4closureFraud.org Headlines
Action Alert: Email Gov Scott Fast Foreclosure Bill Battle Not Over Despite Success in Legislature Renter Evicted from Half-Million Dollar Home Servicing Management Default Underwriter: Fannie Mae Tool Streamlines Foreclosures Colorado: Banks Right to Foreclose in Dispute Crises Before and After the Creation of the Fed Debt Sold by Bank Of America and Citigroup Would Be JUNK Without Government Guarantees Mbaku et al v. Bank of America: Second Federal Suit Challenging Colorado Foreclosure Law Emerges FORECLOSURE BACKLOG REDUCTION PLAN FOR THE STATE COURTS SYSTEM: Recommendations of the Foreclosure Initiative Workgroup Fla. Foreclosure Workgroup Questioned, Called Bias The 182 Percent Loan: How Installment Lenders Put Borrowers in a World of Hurt More

Blog Posts

FATAL BREAKS IN THE CHAIN! CLASS ACTION CERTIFICATION WELLS FARGO AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES WITH NEW CENTURY ORIGINATING ALL THE LOANS
Posted by Abby on May 3, 2013 at 7:51pm 0 Comments 0 Likes http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 5 of 7

How Soon They Think We Forget

Posted by VIRGINIA on May 3, 2013 at 3:54am 0 Comments 0 Likes

IL: Deutsche Bank Nation al Trust Co. v. Gilbert , 2012 IL App (2d) 120164 (09/25/12)
Posted by Fraudem Bellator on May 2, 2013 at 6:30pm 0 Comments 0 Likes

IL: Wells Fargo LOSES at Seventh Circuit Appellate - Wigod v. Wells Fargo Bank, N.A. 03/07/12
Posted by Fraudem Bellator on May 2, 2013 at 6:00pm 0 Comments 1 Like

SUE YOUR MILL ... (w/case law and def.)

Posted by Darrell Kanka on May 2, 2013 at 2:22pm 19 Comments 7 Likes Add a Blog Post View All

Videos

BOA Strangles Musician to Steal Home...

Added by Ace 2 Comments 0 Likes

http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 6 of 7

California Homeowner and Vietnam Widow Testifies before Legislative Committee on Foreclosure Crises
Added by Capt. Jack 3 Comments 7 Likes

'He doesn't move, evidence be damned,' says Matt Stoller of Obama's approach to the big banks
Added by L 2 Comments 0 Likes Add Videos View All

Forum

Help needed ASAP! To prove standing all Deutsche has to do is have a witness testify....
Started by Patty M in Fraudulent Activity. Last reply by Patty M 20 hours ago. 4 Replies 0 Likes

HELP NEEDED FOR BANKUNITED INFORMATION

Started by foreclosureweary in Fraudulent Activity. Last reply by enrique on Friday. 324 Replies 0 Likes

Principle reduction/loan modification received today!

Started by Bill in Foreclosure Stories. Last reply by Bill May 3. 8 Replies 0 Likes

New No Due Process Foreclosure Bill Ready TO PAss

Started by Bill in Fraudulent Activity May 2. 0 Replies 0 Likes

http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013

IS CHASE FORECLOSING ON YOU BASED ON FRAUDULENT DOCUMENTS - Foreclosu... Page 7 of 7

Beware of the latest foreclosure scams...

Started by Solidarity US dot Org in Fraudulent Activity. Last reply by Tim Bryant Apr 14. 2 Replies 0 Likes Add a Discussion View All

Hamlet Stats

Visits since 12/21/2009

Music

2013 Created by Admin. Powered by Badges | Report an Issue | Terms of Service Sign in to chat!

http://www.foreclosurehamlet.org/profiles/blogs/is-chase-foreclosing-on-you-based-on-fraudulent... 5/14/2013